Has your debt been piling up lately? Are you burnt out from trying different financial advice and tips but still have unsolved issues?
Maybe you’re here because already tried every thing.
In the majority of cases, your best option is to speak with professionals that can help to resolve this issue.
CuraDebt is among the companies that get the most inquiries. A lot of people have been inquiring whether they are able to help or put you into more debt.
According to their customers, they can assist you in managing the majority of your debt so that you are able to take few things off of your shoulders.
For some they believe these claims are too good to be true.
Suppose you’re on the lookout for anything that can aid you in settling your debt. In that situation, CuraDebt will mostly be highly recommended by those. We’ll be taking a deep review of the way CuraDebt is used and the problems it could help solve.
In addition, prior to our conclusion, we’ll also look into its benefits and drawbacks.
Before you begin the review, you can go to this video in case you would prefer for it to be watched.
Otherwise, let’s begin.
Before you go on, you may want to check out this video by CuraDebt Debt Relief Reviews on YouTube that gives a quick review. After, you will want to read the rest of the article for a more comprehensive review.
About the Company Flood Disaster Federal Tax Relief
CuraDebt is a debt relief company from Hollywood, Florida. It was established in 2000 and has since become a member of the American Fair Credit Council, the US Chamber of Commerce, and has been accredited through the International Association of Professional Debt Arbitrators.
While it is accredited, some states have limited their access to their services.
What CuraDebt do?
Helping you pay off your debt is one of CuraDebt’s best well-known feature. They also provide other services that can aid you in becoming more financially secure.
The process begins with requesting a free savings estimate online. It is a completely private service and won’t be conducting a credit screening. With this estimate of savings, you will discover more about options towards debt-free.
Savings estimates, as we’ve mentioned before, gives you an insight into your options regardless of whether you’re planning on using CuraDebt.
CuraDebt will assign you a financial counselor and a team of support to assist you with the process of credit arbitration should you choose to enroll. Certain financial advisors can assist you in your debt-free journey.
Following your debt settlement program, CuraDebt is the one to answer all of your creditor’s calls. They’ll also be the ones who will determine conditions of the settlement based on the status of your finances. In determining which option is the most effectively to you, this could be a lump-sum settlement or a payment plan.
Additionally, they will be working with creditors to ensure that you enjoy better rates when you deposit money to your savings account. This, in turn, will process to pay back the creditors. Their plans can help you pay off the debt in the period of 48 months.
Once you’ve signed up with them, they will allow you access to your information 24/7. All you have to do is log in to CuraDebts the client portal so that you can monitor your progress.
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CuraDebt’s Requirements
Before you can benefit from their program, you’ll need to satisfy their criteria first. In order to be considered eligible for the program, you’ll have to meet the following criteria:
- Minimum 21 years old
- Verifiable income
- Minimum debt must be $5,000
What can they help you?
Here are the various ways CuraDebt can help you.
Debt Relief
The name of the company suggests that CuraDebt can assist you in dealing with debt. They can negotiate settlements on your behalf for most types of debt. They can help with medical bills, personal loans credit cards, and lines of credit. They can also be approached to help settle any remaining balance on business debt, collections, or repossessions.
They may also assist in negotiating with back taxes as well as IRS debt. However, you won’t get assistance for the majority cases, government loans, collateral, and utility bills. They also don’t cover most student loans.
On the other hand, they can assist you in navigating laws such as the Telecommunications Consumer Protection Act (TCPA) and the Fair Debt Collection Practice Act (FDCPA). They can also assist you in identifying the violations of creditors in order to get cash settlements, if possible. Some violations can also result in having your debts dismissed as well.
CuraDebt lets you repay debt for less than the sum you have. Additionally, you can ask questions during their free consult with their debt counselor.
The greatest benefit of their program is that you’ll only have to pay for the charges when your debt is paid off. All you need to do is sign up with any of the plans and you’ll be able to settle each of your debts.
Tax Management and Relief
CuraDebt can also help you with taxes. After they have gathered all your financial documentation, they will also collect all the necessary paperwork for tax returns.
Through this program, you will be able to deal with various tax issues such as garnishments on wages, tax penalties, personal and taxation for business, back taxes, trust fund penalties, and tax liens.
There aren’t any hidden costs neither are there hidden fees. They only use flat-fee pricing that is based on the amount that you’ll have to pay.
They offer different options when it comes to the settlement of the tax debt. Here are 6 of them:
- Installment agreements
- Offer in Compromise
- Collection statute expiration date
- Tax lien subordination
- Penalty abatements
- Currently non-collectible
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What types of debt can they assist you with?
Although debt settlement is their specialization however, they do not cater to all types in debt resolution. CuraDebt concentrates on loans that are not secured. They aren’t able to assist you if your credit or loan is tied to a physical item.
If you do have the following kinds of debt, they’ll negotiate settlements on your behalf.
Tax Debt
With CuraDebt, you should be able to settle tax debts that were due to be paid without any issues. Furthermore, this service is available to all 50 states if you owe money to the IRS. They have federal tax experts to assist you with the issues.
Medical Debt
CuraDebt can also help resolve your medical debt. In certain cases you could even settle the debt for less than you have to pay.
Private Student Loan
CuraDebt does not cater to Federal student loan. Still, they can help private students with negotiating any loans they owe.
Personal Loan
Personal loans and payday loans also qualify for the debt settlement program. You can also avail of the program if you also have other unsecured credit lines that you got from another financial institution or bank.
Credit Card Debt
If you are in debt through store credit cards as well as traditional credit cards or private label credit cards CuraDebt will assist you in paying it off.
What will it cost you?
The greatest thing about CuraDebt is how they’ve priced their service. They don’t charge an upfront fee. Only pay when you have paid off all of your outstanding debts.
Additionally, they do not charge high charges either. On average, you’ll have to pay as much as 20% of the debt you settled with them.
In general, this type of industry can charge anywhere from 15% to 25%.
In addition, customers can expect to settle their debts within 2 to 4 years. This varies according to the amount you can save up per month.
They also claim that you can save as much as 30% when you factor in their fees in your equation.
However, this statement will depend on your situation. Some customers have even talked about saving between 50% and up to 80%.
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Benefits of using CuraDebt
Now that you have a clearer picture of the benefits CuraDebt offers, let’s explore the benefits of using CuraDebt.
The first is that CuraDebt only charges you when you’ve paid off your debt. Furthermore they only charge an amount of 20%, while many companies charge 25%.
If you’re finished by the program for debt relief, you may enroll in their credit restoration program.
It’s a fantastic method to improve your credit without having to go in debt again. However, the program lasts differently for each person according to your personal situation.
Finally, CureDebt looks into your financial obligations to assist with settlements and negotiations. It means that the amount you owe won’t rise as time passes. They’ll also look into any creditor violations with the help of their in-house experts.
Some disadvantages to the use of CuraDebt
We will also examine some of the negatives of CuraDebt.
Debt settlement and debt relief usually require that you cease making payments with . Therefore, if you’re trying build a better standing on credit scores, you may delay you from getting rid of your debt.
CureDebt doesn’t even offer a mobile application. Although they have a website that clients can access, it looks old and mundane. It’s not particularly user-friendly, and can be difficult to navigate.
Furthermore, they are not credited with an accreditation from the Better Business Bureau although they did receive an A+ rating.
The Final Verdict
CuraDebt is a good program that lets you settle your debt without spending more on these kinds of services. Moreover their 20% service charge is lower than many companies that offer a 25% fee. There is no upfront payment, and you will only have to pay the fee when the debt is paid off.
Although they’ll allow you to access an account that allows you to track your progress, their website is not easy to navigate. CuraDebt isn’t even an app that could make it easier for you to look at your progression.
However, they have a competent support staff and can be reached them, not only via emails but also by phone or submitting an electronic ticket. Flood Disaster Federal Tax Relief
If problem of debt is an problem right now, we strongly recommend CuraDebt’s debt management program. Just make sure that you’re qualified and that the services they offer are available in your state.
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FAQ Flood Disaster Federal Tax Relief
How long does it take to finish the program?
The average program is 24 to 48 months, dependent on the size of your debt as well as your agreement on the settlement.
Can CuraDebt assist with tax problems in the state?
Sure, CuraDebt offers a program for tax relief that can help you with problems like delinquent tax issues and wage garnishments.
What do I need to do after joining the program?
You’ll have to keep in constant contact with the team and make the necessary payments to pay down your debt over time.
